Y3S Loans
- Company typePrivate
- Founded2001
- HeadquartersCardiff, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingServices
Y3S Loans firmographics
Firmographics- Name
- Y3S Loans
- Legal name
- B2B Loans and Mortgages Limited
- Website
- https://y3sloans.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Y3S Loans industry classification
Industry- Product category
- Specialist Mortgage Packaging
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
Keywords
Where Y3S Loans is headquartered
LocationHeadquarters
- HQ city
- Cardiff
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Y3S Loans business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure
Revenue model
- Commission from Lenders: Y3S earns commission from lenders for packaging and submitting specialist mortgage applications. Commission is paid to intermediaries within 24 hours of completion, before Y3S receives its own commission. Y3S states it pays out more specialist loan commission to brokers each month than any other packager.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based specialist mortgage products |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels4 records
Y3S Loans product offering
Product offeringCore offering
Y3S Loans is a specialist finance packager that arranges and submits mortgage applications on behalf of UK financial intermediaries (brokers and IFAs). It sources specialist mortgage products from a whole-of-market lender panel for clients who do not meet mainstream lending criteria, earning commission from lenders upon completion. The company offers first charge mortgages, second charge mortgages, bridging loans, buy-to-let, commercial mortgages, and equity release products, supported by a unique home delivery document completion service.
Product overview
Y3S Loans operates as the UK's largest specialist finance packager offering a whole of market portfolio of six core mortgage products: First Charge Mortgages, Second Charge Mortgages, Bridging Loans, Buy to Let Mortgages, Commercial Mortgages, and Equity Release Mortgages. These products are complemented by PT+, an enhanced product transfer service, and the company's unique Home Delivery Service for document completion. The company exclusively serves financial intermediaries, packaging specialist mortgage enquiries since 2001 with over 50% of business completed 'outside of criteria' through director-level lender relationships.
Differentiator
Problem solved
Functional benefit
Products and services
- First Charge Mortgages Specialist first charge mortgage products for customers who do not meet standard lending criteria, including first-time buyers, home movers, and remortgages, with mortgages from £40,000+ and up to 90% LTV.
- Second Charge Mortgages Second charge loan products serving as an alternative to remortgage or further advance, with loans from £10,000+ for residential and buy-to-let properties, used when first charge lending is not viable.
- Bridging Loans Short-term bridging finance for customers needing quick access to funds, with loans from £25k to £100m+ and terms from 6 to 36 months.
- Buy to Let Mortgages Specialist buy-to-let mortgage products for first-time and professional landlords, with loans from £25k to £1m, up to 85% LTV, covering first charge, remortgages and HMO properties.
- Commercial Mortgages Specialist commercial finance for builders, barn converters, landlords, property developers and investors, with mortgages from £25k to £10m+ and up to 75% LTV.
- Equity Release Mortgages Equity release products for customers near retirement to raise capital without moving home, with loans from £50,000 and options for monthly payments or roll up with no income required.
- PT+ Product Transfer Service Enhanced product transfer service combining a standard product transfer with a second charge mortgage to improve client affordability, protect borrowers from payment shock at end of fixed-rate deals, and generate additional income for brokers.
Quantifiable outcome
- Case completion rate of approximately 80% once home delivery service is involved
- +4 more outcomes
Companies that use Y3S Loans
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles1 record
Y3S Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Y3S Loans partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- UK's Leading Specialist LenderscoreY3S has developed and nurtured key partnerships with the UK's leading specialist lenders over 20+ years, leading to director-level relationships. These relationships provide access to deals that other brokers aren't aware of and enable cases to be prioritised. Over 50% of Y3S's business is completed 'outside of criteria' through these flexible referral arrangements.
Scale indicators11 records
Recent moves7 records
Expansion highlights4 records
Y3S Loans competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
Y3S Loans social profiles
Digital presenceY3S Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Y3S Loans leadership team
Management profileNumber of profiles
Profiles8 records
Y3S Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Y3S Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Y3S Loans
What does Y3S Loans do?
Y3S Loans is a specialist finance packager that arranges and submits mortgage applications on behalf of UK financial intermediaries (brokers and IFAs). It sources specialist mortgage products from a whole-of-market lender panel for clients who do not meet mainstream lending criteria, earning commission from lenders upon completion. The company offers first charge mortgages, second charge mortgages, bridging loans, buy-to-let, commercial mortgages, and equity release products, supported by a unique home delivery document completion service.
Is Y3S Loans a public or private company?
Y3S Loans is a private company. It is classified as corporate owned and is currently operating.
When was Y3S Loans founded?
Y3S Loans was founded in 2001. It employs 51 to 100 people.
Where is Y3S Loans based?
Y3S Loans is headquartered in Cardiff, United Kingdom, in the Europe region.
How does Y3S Loans make money?
One revenue line is on record: commission from Lenders.
Does Y3S Loans have an API?
No public API is recorded for Y3S Loans.
What industry is Y3S Loans in?
Y3S Loans's product category is Specialist Mortgage Packaging. Its primary akta.pro industry code is FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522310 and its SIC code is 6162.